Dhanlaxmi Bank Ltd.

Financial

	Dhanlaxmi Bank	Suryoday Small Finan	Fino Payments Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.46 %	7.8 %	3.77 %
Yield On Advances	10.08 %	17.4 %	n/a
Gross NPA	2.98 %	n/a	n/a
Net NPA	0.99 %	4.6 %	n/a
CASA Ratio	29.02 %	20.9 %	100.0 %
CASA vs Liabilities	25.91 %	14.16 %	41.31 %
Credit Deposit Ratio	76.22 %	94.28 %	0.01 %
Cost To Income Ratio	78.18 %	84.7 %	25.5 %
Fresh Slippages - Quarterly	28.41 Crs	49.08 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	16.12 %	25.8 %	75.2 %
Tier 2 Capital	0.88 %	1.4 %	4.45 %
Tier I Capital	15.24 %	24.5 %	70.05 %
NBFC
Cost of Borrowing	5.69 %	8.1 %	n/a
Financials
5 yr Average ROE	6.68 %	4.84 %	6.76 %
5yr average Equity Multiplier	15.31	5.55	4.96
5yr Average Asset Turnover Ratio	0.08	0.14	0.68
5yr Avg Net Profit Margin	4.28 %	4.68 %	2.66 %
5yr Avg Net Profit Margin	4.28 %	4.68 %	2.66 %
5yr CAGR Net Profit	-2.55 %	14.25 %	n/a
5yr CAGR Sales	4.32 %	16.18 %	16.42 %
5 yr CAGR PPOP	-15.63 %	8.22 %	n/a
Price to Book	0.81	0.77	3.25
P/E	16.98	12.91	26.24
Shareholdings
Promoter Holding	0.0	22.44 %	75.0 %
Share Pledged by Promoters	0.0	22.39 %	0.0
Change in Promoter Holding (3 Yrs)	0.0	-5.57 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	-5.45 %	-4.5 %

Business

	Dhanlaxmi Bank	Suryoday Small Finan	Fino Payments Bank
Loan Break-Up	Loan Break-Up Gold 31.24 Corporate 24.44 Retail 23.22 SME 14.21 Agricultural 6.9 Financial Intermediary Group 0 Retail Assets 0 Microfinance 0	Loan Break-Up Agricultural 0 Gold 0 Corporate 0 Retail 0 Retail Assets 27.5 Microfinance 61.2 Financial Intermediary Group 11.3 SME 0	-
Segment Break-Up	Segment Break-Up Consumer Finance 49.93 Corporate Banking 30.72 Treasury Operations 17.33 Retail Banks 0 Corporate & Wholesale Banking 0 Others 2.02	Segment Break-Up Retail Banks 0 Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Corporate & Wholesale Banking 0 Others 100	Segment Break-Up Retail Banks 23.99 Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Corporate & Wholesale Banking 0 Others 76.01
Location Wise Break-Up	Location Wise Break-Up India 100.0 East India 0 West India 0 North India 0 South India 0	Location Wise Break-Up East India 0 South India 0 West India 0 North India 0 India 0 Others 100	Location Wise Break-Up East India 0 South India 0 West India 0 North India 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 68.33 Treasury 15.33 Corporate/Wholesale Banking 0 Others 16.34	Operating Profit Break-Up Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 100.0	Operating Profit Break-Up Retail Banking 0 Corporate/Wholesale Banking 0 Treasury 29.26 Others 70.74
Borrowings Break-Up	Borrowings Break-Up Lower Tier II bonds 30.46 Upper Tier II bonds 0 Reserve Bank of India 0 Others 69.54	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Priority Sector 52.55 Non Priority Sector 47.45	-	-
NPA Break-Up	NPA Break-Up Services 68.87 Personal Loan 13.47 Priority Sector 7.02 Industrial & Commercial 5.9 Agricultural 4.75 Personal loans 0	NPA Break-Up Services 5.29 Agricultural 0 Personal loans 48.04 Priority Sector 0 Personal Loan 0 Industrial & Commercial 0 Others 46.67	-
Asset Break-Up	Asset Break-Up Others 100	Asset Break-Up Others 100	Asset Break-Up Others 100

Dhanlaxmi Bank Ltd.

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